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Revolut Secures UK Bank License, Teases Upcoming Services

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Crypto Breaking News

Revolut has received regulatory clearance to operate a fully licensed bank in the United Kingdom, launching Revolut Bank UK after approval from the Prudential Regulation Authority (PRA). The bank will offer deposit accounts to individuals and businesses, with insured deposits capped at 120,000 pounds by the Financial Services Compensation Scheme (FSCS). The transition for existing Revolut UK customers will be rolled out gradually over several months to integrate the new banking framework, while the fintech outlines a roadmap that includes lending and other services beyond basic accounts. In a broader push, Revolut also disclosed that it had filed for a full banking license in Peru and a federal US banking charter in January, signaling a multi-jurisdictional strategy to blend digital finance with traditional banking regulation.

Details of the PRA approval were echoed by Revolut in a post on X, linking to the announcement from the company. The step marks a notable milestone for a fintech that has built a reputation around rapid, user-friendly digital services and now seeks to operate within the safety nets and supervisory standards that govern traditional banks.

Revolut’s UK rollout is positioned as a foundational move that could unlock a broader range of services in due course. The bank will begin by offering deposit accounts to eligible customers, with the FSCS providing a safety net similar to the way insured deposits work in other jurisdictions. The gradual migration means customers can expect a phased onboarding process as Revolut builds the operational capacity to handle regulatory compliance, risk management, and capital requirements that accompany a licensed bank. While the immediate focus is deposit taking, the company has signaled that lending, payments, and other regulated activities could follow as the business scales within the safety framework of UK banking supervision.

The announcement aligns with a wider trend in which fintechs and crypto-adjacent firms are pursuing formal banking relationships or licenses to access regulated payment rails and traditional funding channels. Revolut’s move mirrors a broader strategic arc in the sector, where digital-first financial platforms are increasingly comfortable trading in a regulated environment that offers consumer protections and a defined line of accountability for capital and operations. In that context, Revolut’s UK license acts as both a proof of concept and a potential template for regional expansion, should regulatory approvals in other jurisdictions align with its product roadmap.

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Beyond the UK, Revolut’s filings point to a multi-regional ambition. In January, the company disclosed it had applied for a full banking license in Peru and a federal banking charter in the United States. Peruvian licensing could open doors to cross-border remittances and local consumer banking, while a U.S. banking charter would place Revolut on a sharply regulated stage with potential access to broader U.S. payments infrastructure. Taken together, these moves illustrate how fintechs are recalibrating their growth strategies—seeking regulatory legitimacy not as a mere compliance checkbox, but as a platform for diversified financial services that can compete with incumbents on a more level playing field.

The sector’s momentum toward formal banking has also intensified discussions about the role of crypto and digital assets within regulated systems. A subset of crypto-focused firms has long argued that national bank charters could unlock direct access to the payments rails and reduce friction for on-ramps and off-ramps between crypto ecosystems and traditional finance. Notable examples cited in industry conversations include Ripple, Paxos, and Circle, all of which have pursued or explored regulatory designations that would position crypto-related activities within the broader banking ecosystem. In March, Kraken—one of the largest crypto exchanges—was granted a limited-purpose master account with the Federal Reserve Bank of Kansas City, marking a historic step toward direct Fed access for crypto entities, albeit with clear constraints designed to preserve safety and supervision of the payments system.

The broader regulatory environment remains dynamic. A banking trade association in the United States has reportedly considered legal action against the Office of the Comptroller of the Currency (OCC) to block crypto firms from acquiring bank charters, highlighting the friction between innovation and traditional banking controls. At the same time, bankers and lobbyists have pushed back against yield-bearing stablecoins and other crypto-enabled services that could shift market share away from established lenders. The tension between encouraging financial innovation and maintaining systemic safeguards continues to shape policy, litigation, and strategic partnerships across the fintech and crypto sectors.

From a market perspective, these developments come amid ongoing debates about how to balance consumer protection, financial stability, and competitive innovation. While Revolut’s UK launch demonstrates growing appetite for regulated, tech-enabled banking, the path forward will likely hinge on how regulators interpret cross-border licensing, consumer protections, and the interplay between digital assets and traditional financial rails. The next 12 to 24 months could see a flurry of licensing activity, updated supervisory frameworks, and more structured collaborations between fintechs, crypto firms, and conventional banks as the financial system absorbs rapidly evolving digital capabilities.

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In parallel, the industry’s push toward deeper integration with the formal banking system underscores a broader shift in which digital-first firms are increasingly treated as participants in traditional finance rather than isolated disruptors. That shift is fueling a dual dynamic: a demand for robust regulatory compliance to gain legitimacy and, at the same time, a push to innovate on product design and customer experience within those regulatory boundaries. Revolut’s UK bank launch is a concrete manifestation of this trend, signaling that the boundary between fintech and conventional banking is continuing to blur in a carefully managed, policy-driven manner.

Key takeaways

  • Revolut Bank UK begins operations after PRA approval, offering deposit accounts with FSCS protection up to 120,000 pounds per depositor.
  • Existing Revolut UK customers will be transitioned gradually to the new bank accounts over several months, with lending among the future service expansions.
  • Revolut has pursued cross-border licensing, filing for a full Peruvian banking license and a US federal banking charter in January.
  • The crypto industry continues to seek bank charters to access traditional payment rails, while regulators and bankers push back on risk and market disruption.
  • Kraken secured a limited-purpose master account with the Federal Reserve Bank of Kansas City in March, marking a milestone for crypto access to the Fed system, albeit within defined limits.
  • Regulatory debates around stablecoins and crypto banking remain a central battleground for incumbents and fintechs alike.
  • Sentiment: Neutral

    Market context: The move illustrates a broader trend of fintechs seeking regulated banking status to access payments rails and expand product offerings, while regulators balance innovation with consumer protection and systemic resilience.

    Why it matters

    For consumers and businesses, Revolut Bank UK unlocks insured banking through a familiar digital platform, potentially simplifying tasks such as savings, payments, and lending within a single ecosystem. The FSCS protection up to 120,000 pounds provides a safety net that investors and everyday users expect from a licensed bank, enhancing trust as customers migrate from non-bank services to regulated accounts.

    From a broader industry perspective, the move signals a continued convergence between fintechs, crypto-adjacent firms, and traditional banking. By pursuing regulated status, fintechs aim to secure greater access to payments infrastructure, risk controls, and capital markets channels—without surrendering the speed and user-centric design that define their brands. Yet the path is not without risk: industry advocates must navigate a complicated regulatory landscape and potential pushback from lenders wary of new entrants encroaching on the core of conventional banking. The Kraken development and the OCC-related discussions underscore how policy, liquidity access, and the stability of the payments system remain central to any expansion of crypto and fintech activities into licensed banking territory.

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    What to watch next

    • Timeline for Revolut Bank UK’s onboarding of existing customers and the rollout of new lending products.
    • Progress and outcomes of Revolut’s Peru banking license application and the US federal charter filing made in January.
    • Regulatory responses to crypto firms pursuing bank charters, including any developments from the OCC or related lawsuits.
    • Further updates on crypto firms’ access to Fed-like payment rails, including any new master accounts or adjusted eligibility criteria.

    Sources & verification

    • Revolut’s official announcement confirming Revolut Bank UK and FSCS-deposits coverage of up to 120,000 pounds.
    • PRA regulatory approval documentation for Revolut Bank UK.
    • Revolut’s disclosures about Peru and the US banking charter filing in January.
    • Kraken’s master account with the Federal Reserve Bank of Kansas City and related coverage of Fed access for crypto firms.
    • Public industry discussions regarding crypto banking, OCC actions, and debates on stablecoins and traditional banking disruption.

    Risk & affiliate notice: Crypto assets are volatile and capital is at risk. This article may contain affiliate links. Read full disclosure

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Pi Coin price forms a bullish pennant as volume soars ahead of Pi Day

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Pi Coin price rose for three consecutive days and is slowly nearing its highest point this year as demand from investors continues rising ahead of the Pi Day event.

Summary

  • Pi Network price has formed a bullish pennant pattern on the daily chart.
  • The coin’s volume has jumped to over $40 million.
  • The rally may continue this week, potentially to the key resistance level at $0.2935.

Pi Network (PI) token rose to $0.2325 today, March 11, a few points below the year-to-date high of $0.2363. It has jumped by double digits from its lowest level this year.

Data compiled by CoinMarketCap and CoinGecko shows the coin’s volume continues rising, a sign that investors expect the price to continue rising in the near term. 

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CMC data shows that the 24-hour volume jumped to $42 million, while another one by CoinGecko puts the figure at $46 million. Its daily volume was less than $10 million a few weeks ago.

In most cases, a surge in daily volume is a sign that investors are buying. It is also a sign that investors are starting to embrace the Fear of Missing Out (FOMO) now that the coin is beating popular coins like Bitcoin and Ethereum.

The ongoing rally is being driven by the hype surrounding the upcoming Pi Day event on Saturday this week. Investors are buying as they wait for what the team will announce on this day.

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Additionally, the buying is happening as the ongoing core upgrade advances. The ongoing upgrade phase will have a deadline tomorrow, March 12). If the trend continues, the final upgrade will likely conclude in either April or May this year.

Additionally, the volume is rising as investors continue to wait for the potential Kraken listing, which is expected to happen any day this year. This listing will be a major milestone for the coin as no major exchange has listed it since its mainnet launch.

Pi Coin price prediction and analysis 

pi coin price
Pi Network price chart | Source: crypto.news 

The daily chart shows that the Pi Network price has surged in the past few weeks. A closer look shows that it has formed a bullish pennant pattern, which is made up of a vertical line and a symmetrical triangle. It has already moved above the upper side of the triangle, meaning that the bull run may continue rising.

The coin has also formed an inverted head-and-shoulders-like pattern, which often leads to a bullish reversal. It has moved above the 50-day Exponential Moving Average and the Supertrend indicator.

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Therefore, the coin will continue rising as bulls target the next important target at $0.30. This outlook will be confirmed if it moves above the year-to-date high of $0.2380.

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Ledger Researchers Expose Android Flaw Enabling Wallet Seed Theft

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📡

Your Android phone might be handing over your crypto wallet in under 60 seconds.

Ledger’s own security team just exposed a hardware flaw in MediaTek chips that lets anyone with physical access to your phone pull your PIN and seed phrase before your phone even boots. USB cable, done. No software patch can fix it either. It is baked into the chip.

The Dimensity 7300 is the chip in question. It affects roughly 25% of all Android devices. Even the Solana Seeker phone is on the list.

MediaTek was told about this back in May 2025. The fix? There is not one. If you have the chip, you have the vulnerability.

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For anyone storing real money on a mobile wallet, this one hurts.

How the Boot ROM Exploit Bypasses Android Security

The flaw lives in the boot ROM. That is the code burned into the chip at the factory. It cannot be updated. Ever.

Ledger’s team used electromagnetic pulses to mess with the chip mid-startup. Perfectly timed voltage glitches that force the processor to skip its own security checks. Once that happens, the attacker hits EL3 privilege.

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That is the highest level of control possible on ARM architecture. Full access. Game over.

In testing, they pulled it off in about 1 second per attempt.

From there, the entire data partition gets decrypted offline. Private keys, PINs, everything your trusted execution environment was supposed to protect. Gone.

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No app-level security saves you here. The foundation itself is broken.

Millions of Devices Exposed, Including Solana Seeker

Millions of mid-range Android phones are affected. And there is no patch coming for devices already in the field.

MediaTek’s response was basically “physical attacks are not really our problem.” But when people are storing serious money on these phones, that answer no longer cuts it.

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The numbers back that up. Crypto theft hit $3.41 billion in 2024. Personal wallets now account for 44% of all stolen value. In 2022, that number was 7.3%.

Source: Chainalysis

Ledger’s own CTO said it. Phones were never designed to be vaults. If you have real money in a mobile wallet, move it to a hardware wallet now.

A software workaround will be included in the March 2026 Android Security Bulletin.

The real question now is whether mobile-first crypto projects can survive a hardware trust problem. If the foundation keeps cracking, the whole pitch of storing crypto on your phone starts falling apart.

Discover: The best new crypto in the world

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Circle stock targets 45% surge as USDC nears key $80 billion milestone

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Circle stock price is in a strong bull run this month, reaching its highest level since November last year, and this trend may continue as the market capitalization of the USDC stablecoin nears an $80 billion milestone.

Summary

  • Circle stock price continued its strong bull run this week.
  • The USDC market capitalization is nearing the important $80 billion milestone.
  • Technical analysis points to a surge to $174.8, up by 45% from the current level.

CRCL stock jumped to $122.55, up by 147% from its lowest point this year, with its market capitalization jumping to over $30 billion.

There are signs that Circle’s business is thriving as demand for its stablecoin jumps. The supply of all USD Coin (USDC) tokens has jumped to over $79.8 billion, a $10 billion increase from the lowest point last month.  

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More data shows that USDC has become the most used stablecoin in the industry. Its volume jumped to nearly $6 trillion in the last 30 days, much higher than USDT’s $1.1 trillion.

Soaring USDC supply is important for Circle because of its business model. It makes most of its revenue by investing its USDC holdings into short-term government bonds, which are now yielding about 3.5%. 

Government bond yields will likely remain elevated for a while as the Federal Reserve is unlikely to cut interest rates several times this year because of the ongoing Iran war. This war will push inflation much higher than where they are today as energy and transport prices soar.

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The most recent numbers showed that Circle’s business continued thriving in the last quarter of last year, with its revenue rising by 77% to $770 million and its EBITDA moving to $167 million.

In addition to this, Circle Payment Network is seeing more user adoption as it has gained 55 partners, and more are coming up. This solution has the ability to disrupt the Swift Network, which moves trillions of dollars annually. It leverages the USDC stablecoin to save money and ensure instant payouts.

Circle stock price prediction: Technical analysis 

circle stock
CRCL stock chart | Source: crypto.news 

The daily chart shows that the CRCL stock price has rebounded this month. It has already jumped above the 23.6%Fibonacci Retracement level, which is drawn by connecting its highest and lowest levels on record.

The stock has jumped above the 50-day Exponential Moving Average, while the Supertrend indicator has turned green. The Average Directional Index has moved to 40, a sign that the upward momentum is accelerating.

Therefore, the stock will likely continue rising as bulls target the 50% Fibonacci Retracement level at $174, which is about 45% above the current level.

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Cardano’s Charles Hoskinson Outlines Strategic Funding Roadmap for 2026: Here’s What’s New

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Cardano's Charles Hoskinson Outlines Strategic Funding Roadmap for 2026: Here's What's New


Charles Hoskinson speaks about the 2026 funding agenda and how the Cardano ecosystem should evolve going forward.

In a recently released hour-long video, Charles Hoskinson provided considerable insights into how funding for Cardano’s ecosystem will function in 2026. He also pointed out a few pressure points and how the team plans to tackle them.

There’s nothing here that, with the money that we have, Cardano can’t fix. – Said Hoskinson, while outlining critical flaws in existing models.

The Existing Pillars in Cardano’s Funding Focus

Starting off, Hoskinson said that the ecosystem funding model is generally broken down into three layers: infrastructure, utility, and experience. He outlined that historically, Cardano’s funding has been overrepresented within the infrastructure module and underrepresented within the utility and experience modules.

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Infrastructure includes nodes like Ouroboros Leios, Plutus, and Aiken, while utility is what users can do with that infrastructure. This includes building decentralized applications within the broader DeFi ecosystem. Experience, on the other hand, is how users interact with the entire system – through wallets, account abstraction, and on/off ramps.

Hoskinson pointed out that the cost to run and build a node team is about $1 to $5 million per year, requiring between 10 and 40 full-time engineers. He said that the recommended infrastructure to fund includes three already mature node projects – Haskell, Rust, and Go, unified by Project Bluepring plus Hydra, and languages such as Aiken and Plutus.

Funding Utility and Strategic Goals in 2026

Acknowledging that the current state of the Cardano ecosystem is unfavorable (low MAU, TVL, and transaction volume), Hoskinson proposes funding the Utility layer. But this comes with certain conditions, including oversight, OPEX reduction, salary cuts, and alignment with strategic goals.

The idea is to create a weighted index of project tokens, and for the treasury to purchase 10-30% of each project’s total supply in the index.

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Strategic goals for the dApps included in the investment rounds should include Bitcoin DeFi, specifically by using the Pogan protocol, as well as upgrading to be hybrid dApps with Midnight for increased privacy.

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Moreover, a portion of the protocol revenue (example given with 10%) must be used to buy ADA and donate it back to the treasury. With that, these investments are expected to pay for themselves in one to three years as the treasury divests from the appreciating index.

The Experience Layer

Speaking about funding the Experience layer, Hoskinson said it needs funding to rebuild the ambassador and KOL layer, improve user onboarding, and support wallet providers.

He said that the ecosystem needs somewhere between 20 and 30 high-value hackathons each year to improve the developer experience.

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Hoskinson pointed out that in order for the ecosystem to attract external capital, it must be willing to invest in itself. Moreover, he outlined that fragmented and competitive treasury proposals create a “race to the bottom,” while staying firm on the fact that the strategy should be unified.

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Major Breakout or More Consolidation Ahead?

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Major Breakout or More Consolidation Ahead?

Bitcoin is still trading within a broader bearish market structure, but the recent halt at the $60,000 area shows that buyers are still defending an important support base. Although the recovery has improved short-term conditions, BTC remains below major higher timeframe resistance, which keeps the broader outlook cautious for now.

Bitcoin Price Analysis: The Daily Chart

On the daily chart, BTC continues to trade below both the 100-day and 200-day moving averages, keeping the primary trend tilted to the downside. The price also remains beneath the descending channel’s higher trendline that has capped the market for months, which means the latest bounce has not yet changed the broader structure.

The key support zone remains around $60,000, where BTC already reacted well after the sharp sell-off. On the upside, the first major resistance still sits around $75,000 to $80,000, which is now acting as a supply zone. As long as the price stays below that region, rallies are likely to be treated as corrective rebounds inside a larger downtrend.

BTC/USDT 4-Hour Chart

On the 4-hour timeframe, Bitcoin is still moving inside a rising channel, showing that the recovery from the local bottom remains intact in the short term. The asset is now hovering around $69,000 after another push higher, while the lower boundary of the channel continues to provide structure for higher lows.

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At the same time, bulls have not yet been able to break through the upper boundary of the formation, which comes in near the $73,000 to $75,000 area and overlaps with a broader resistance zone. The RSI has also recovered toward the upper half of its range, showing improving momentum, but not yet a breakout condition. That leaves the short-term picture constructive, but still dependent on a confirmed move above channel resistance.

Sentiment Analysis

From a sentiment perspective, funding rates have turned negative again after spending most of last year in positive territory. This suggests that derivatives traders have become more cautious and negative and that short positioning has started to increase, even while the price attempts to stabilize above the recent lows.

In practical terms, that kind of reset is not necessarily bearish by itself. In fact, cooling or slightly negative funding often reflects a healthier market backdrop than overcrowded long positioning, especially after a heavy correction. So sentiment currently points to a more balanced setup, where excessive bullish leverage has been washed out, but BTC still needs a clear breakout on the chart to turn that improving sentiment into a stronger bullish continuation.

 

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Disclaimer: Information found on CryptoPotato is those of writers quoted. It does not represent the opinions of CryptoPotato on whether to buy, sell, or hold any investments. You are advised to conduct your own research before making any investment decisions. Use provided information at your own risk. See Disclaimer for more information.

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China’s DeepSeek AI Predicts the Price of XRP, Bitcoin and Ethereum by The End of 2026

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China's DeepSeek AI Predicts the Price of XRP, Bitcoin and Ethereum by The End of 2026

Global geopolitical tensions may be rattling markets, but after some carefully calibrated prompting, DeepSeek AI suggests the three biggest cryptocurrencies could still be heading for a very bullish year.

Its data-driven outlook draws on improving technical indicators, positive industry developments, and a regulatory environment that is slowly becoming clearer.

Here’s why DeepSeek’s predictions are gaining attention.

XRP (XRP): DeepSeek AI Predicts an Explosive Move Soon

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In a recent update, Ripple reiterated that XRP ($XRP) remains central to its long-term strategy to transform the XRP Ledger (XRPL) into a global payments infrastructure designed for enterprise adoption.

China's DeepSeek AI Predicts the Price of XRP, Bitcoin and Ethereum by The End of 2026
Source: DeepSeek

Ripple designed XRPLedger (XRPL) for extremely fast and low-cost transactions, while giving the network an early advantage in two rapidly expanding sectors: stablecoins and tokenized real-world assets.

XRP is currently trading around $1.40, and DeepSeek suggests the asset could potentially rise toward $8 before year-end, producing gains of nearly 6x.

Chart patterns also support the possibility of a breakout. XRP forms a bullish flag pattern between recent support and resistance levels, often foreshadowing bullish price action.

It’s mid-to-long-term narrative hinges on continued institutional inflows through recently launched U.S. XRP exchange-traded funds (ETFs), Ripple’s expanding global partnerships, and the possibility that the CLARITY Act could be approved by Congress this year.

Bitcoin (BTC): DeepSeek AI Says Bitcoin Will Be $260k By Christmas

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Bitcoin ($BTC) reached an all-time high (ATH) of $126,080 on October 6 before losing nearly half its value in the following months.

Regardless, DeepSeek’s analysis indicates Bitcoin could still be on track for substantial growth, potentially peaking at $266,000 by 2027.

Often referred to as digital gold, Bitcoin continues attracting investors who view it as both a diversification tool and a hedge against inflation and global economic instability.

Bitcoin capitalizes $1.4 trillion of the $2.4 trillion cryptocurrency market. Its recent decline coincided with heightened geopolitical tensions involving the United States, Iran, and Greenland, although the subsequent armed conflict did little to spook investors.

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Additionally, if Donald Trump delivers his promise to create a U.S. Strategic Bitcoin Reserve, the “Bitcoin to $1 million” scenario becomes plausible.

Ethereum (ETH): Will Ether Hit Five Digits This Year?

Ethereum ($ETH) is the dominant smart contract platform serving as the backbone of decentralized financ (DeFi).

With a market capitalization approaching $248 billion and around $55 billion TVL, Ethereum is the primary settlement layer blockchain commerce.

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The network’s strong security, its leadership in stablecoins, and its growing involvement in real-world asset tokenization all support the case for broader institutional adoption.

However, regulatory clarity plays a critical role in future growth. The passage of the CLARITY Act in the United States could provide the legal framework institutions require before deploying lots of capital on chain.

ETH is currently trading slightly above $2,000. Significant resistance lies at $5,000 range, close to its previous ATH of $4,946.05 recorded last August.

If Ethereum decisively breaks through $5,000, DeepSeek sits it rising to a new high watermark of $7,500.

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Maxi Doge: Enter Dogecoin’s Risk-Loving, Hard Pumping Cousin

If a new bull run emerges, meme coins could absorb the most hype, as they historically amplify market price trends.

One new meme coin attracting attention is Maxi Doge ($MAXI). It already raised $4.7 million through its ongoing presale as investors speculate it could eventually challenge BONK, Floki and even Dogecoin.

Maxi Doge introduces himself as Dogecoin’s louder, risk-on gym bro cousin, leaning into the viral “degen” internet culture that helped fuel the meme coin explosion during the 2021 bull market.

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MAXI is an ERC-20 asset on Ethereum’s proof-of-stake blockchain, giving it a smaller environmental footprint compared with Dogecoin’s proof-of-work design.

Early presale investors can currently stake MAXI tokens for 67% APY, although those yields gradually decline as the staking pool grows.

MAXI currently sells for $0.0002808, with nominal increases planned through each funding round.

To participate, you can visit the official website and connect a supported wallet such as Best Wallet.

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Purchases can also be made using a bank card.

Visit the Official Website Here

The post China’s DeepSeek AI Predicts the Price of XRP, Bitcoin and Ethereum by The End of 2026 appeared first on Cryptonews.

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How Will Bitcoin’s Price React as US CPI for February Matches Expectations?

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BTCUSD Mar 11. Source: TradingView


BTC experienced minor initial volatility after the numbers went out.

The United States Labor Department released the highly anticipated Consumer Price Index numbers for February, the last such data before the upcoming FOMC meeting next week.

Interestingly, experts nailed the actual numbers, with a 0.3% increase for February and a 2.4% rise year-over-year.

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The increase for the previous month was slightly higher than the number for January (0.2%). Core CPI, which excludes more volatile sectors like food and energy, rose 0.2%, also matching the forecasts. In contrast, January’s increase was slightly higher MoM (0.3%).

The single-largest component of the regular CPI, shelter, jumped by 0.2% monthly and 3% annually, while rent rose by 0.1%, which is the lowest monthly increase in over five years.

Given the matched expectations, experts now believe the US Federal Reserve will keep the key interest rates unchanged during its next FOMC meeting, scheduled for the following week.

Bitcoin’s price reacted with minor volatility immediately after the Labor Department published the data for February, going from $69,000 to $69,800, where it was stopped and pushed back to around $69,300 as of press time.

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It appears that the inflation data does not impact its price moves as much as it used to, as global financial markets are focused on the ongoing war between the US and Israel on one side, and Iran on the other.

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BTCUSD Mar 11. Source: TradingView
BTCUSD Mar 11. Source: TradingView

 

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SEC and CFTC Sign Memo to Harmonize Crypto and Other Markets

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Crypto Breaking News

Regulators in the United States are signaling a pivot from fragmented supervision toward a more coordinated approach to oversee evolving markets. In a joint memorandum released this week, the Securities and Exchange Commission and the Commodity Futures Trading Commission said it is a pivotal moment to regulate harmoniously as new technologies—especially crypto—reshape how markets function. The document emphasizes that “new trading models, digital infrastructure, and onchain, automated systems increasingly blur traditional jurisdictional lines,” creating a need for consistent, technology-neutral rules that can cover participants operating across platforms and asset classes. The joint effort aims to reduce duplication, close gaps, and accelerate the path to regulatory clarity.

Key takeaways

  • The SEC and CFTC formalized a cooperative framework through a memorandum of understanding to coordinate oversight across crypto, digital assets, and related financial technology.
  • The agencies commit to providing regulatory clarity and certainty grounded in technology-neutral regulations, alongside a shared data approach on issues of common regulatory interest.
  • A “minimum effective dose” regulatory strategy will be pursued to foster innovation while safeguarding market integrity and competitiveness on a global stage.
  • The memo references ongoing efforts to build a fit-for-purpose regulatory framework for crypto assets and lists existing initiatives such as a crypto-specific task force and an advisory committee to shepherd innovation.
  • The document underscores the intent to reduce turf wars that have long tied up regulatory progress and pushed activity to other jurisdictions.

Tickers mentioned:

Market context: The move comes as the U.S. regulatory landscape weighs how to supervise a rapidly evolving crypto ecosystem amid questions about liquidity, risk management, and the integration of blockchain-based infrastructure with traditional markets. The coordination effort aligns with broader policy conversations about stabilizing the regulatory backdrop for platforms that span trading, clearing, data services, and pooled investment vehicles, while attempting to maintain U.S. competitiveness in a fast-changing global environment.

Sentiment: Neutral

Market context: The joint approach is positioned to influence how market participants operate across venues and asset classes, potentially shaping future product design and compliance pathways.

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Price impact: Neutral. The memorandum outlines regulatory intent rather than immediate market actions, though clarity can influence investment planning and capital allocation over time.

Trading idea (Not Financial Advice): Hold. The framework’s emphasis on clarity and proportionate regulation may encourage cautious entry as participants await concrete guidance and implementing rules.

Market context: In the broader crypto environment, policymakers have signaled that a stable, predictable regulatory regime is conducive to attracting institutional participation while preserving safeguards against misuse and market abuses.

Why it matters

The memorandum marks a notable shift in how two principal U.S. regulators approach an industry that has long challenged traditional supervisory paradigms. By committing to a technology-neutral regulatory posture, the SEC and CFTC aim to shield investors and market participants from duplicative requirements while ensuring that new trading models—whether on centralized exchanges, cross-border platforms, or on-chain systems—operate within a coherent framework. The emphasis on harmonization is especially meaningful as market participants increasingly move assets and data across platforms, including trading venues, clearinghouses, data repositories, and other intermediaries that span both securities and derivatives landscapes.

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The agencies are explicit about their intent to share information and data on issues of “common regulatory interest,” a move that could improve how authorities monitor systemic risk, detect fraud, and respond to emerging technologies such as smart-contracts and automated trading systems. In parallel, the memo signals a broader effort to craft a “fit-for-purpose regulatory framework for crypto assets,” signaling that policy makers recognize crypto-specific dynamics within the wider financial system. The move builds on prior steps, including the establishment of a crypto-focused task force and advisory bodies intended to keep pace with innovation while preserving market integrity. The tone of the document—emphasizing clarity, predictability, and collaboration—aims to reduce the jurisdictional friction that has historically complicated compliance and innovation alike.

As SEC chair Paul Atkins framed it, the legacy of misaligned rules and overlapping registrations created an environment where innovation sometimes sought refuge offshore or migrated to jurisdictions with clearer expectations. The quote underscores a long-running frustration: “For decades, regulatory turf wars, duplicative agency registrations, and different sets of regulations between the SEC and CFTC have stifled innovation and pushed market participants to other jurisdictions.” By acknowledging that friction and pledging a more coordinated approach, the agencies are signaling a potential rebound in U.S. competitiveness in the crypto arena while maintaining robust supervisory standards.

The scope of the plan extends beyond crypto alone. The memo notes that the new regulatory posture will touch a broad spectrum of market activity—from trading platforms to clearinghouses, data repositories, and even pooled investment vehicles and intermediaries that operate across securities and derivatives frameworks. In doing so, it aligns regulatory objectives with the realities of digital rails, on-chain settlement, and cross-asset trading that have increasingly blurred traditional borders. The effort also reflects ongoing efforts to ensure technology-driven innovation—across crypto and AI—remains embedded within U.S. policy while avoiding a blanket deregulation that could invite abuse. The intention is to foster a dynamic, globally competitive market environment with clear guardrails for participants at every level of the value chain.

Overall, the memorandum presents a practical, measured approach to reform. It acknowledges the importance of regulatory clarity and a transparent, consistent framework as prerequisites for sustained innovation, while preserving the safeguards that have been central to U.S. market integrity. The combined message from the SEC and CFTC is that the time is right to reduce fragmentation, adopt common standards where feasible, and accelerate the adoption of rules that reflect the realities of digital markets without stifling experimentation.

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Source-linked remarks and the framing of this initiative underscore a broader policy conversation about how to balance innovation with investor protection. The collaboration signals a willingness to use data-driven insights to calibrate rules rather than relying on static templates that fail to account for rapid technological evolution. As the crypto landscape continues to evolve—with new protocols, asset classes, and onchain activity—the joint MOU could become a cornerstone of a more predictable regulatory environment for market participants and builders alike.

The memorandum notes that the agencies have already undertaken and supported various initiatives in pursuit of these goals, including a crypto-specific task force and an advisory committee designed to ensure that crypto, AI, and other emerging technologies continue to advance in the United States. This alignment of policy instruments with a forward-looking view on technology signals an intent to keep the U.S. at the cutting edge of global financial innovation while anchoring it with robust governance and risk controls. The path forward will likely involve further policy statements, guidelines, and practical implementation steps that translate the memo’s principles into day-to-day compliance and product development decisions for a wide range of market participants.

In sum, the MOU represents more than a symbolic gesture. It aims to convert long-standing aspirational goals—coherence, clarity, and competitive vitality—into a tangible regulatory posture that can accommodate a rapidly changing market landscape. By emphasizing minimum regulatory levers that deliver the desired outcomes, the agencies hope to avoid stifling innovation while ensuring that the rules stay fit for purpose as technology, markets, and participants continue to evolve.

What to watch next

  • Publication of a detailed joint framework or guidance clarifying how crypto assets fit within the securities and commodities regimes.
  • Updates to data-sharing protocols and information exchange between the SEC and CFTC, particularly around surveillance and enforcement coordination.
  • Formation or expansion of the crypto-specific task force and advisory committees with specific governance and reporting milestones.
  • Regulatory actions or policy statements that reflect the “minimum effective dose” approach and how it will be applied to new products and platforms.

Sources & verification

  • Memorandum of Understanding between the U.S. Securities and Exchange Commission and the U.S. Commodity Futures Trading Commission, sec.gov/files/mou-sec-cftc-2026.pdf
  • SEC/CFTC press release announcing the historic memorandum, sec.gov/newsroom/press-releases/2026-26-sec-cftc-announce-historic-memorandum-understanding-between-agencies
  • Cointelegraph piece on regulatory clarity for crypto industry and related policy discussions, https://cointelegraph.com/news/crypto-industry-us-clarity-act-community-banks-stablecoin-yields
  • Cointelegraph article discussing CFTC chair and blockchain/prediction markets, https://cointelegraph.com/news/cftc-chair-backs-blockchain-prediction-markets-truth-machines
  • Cointelegraph Magazine feature exploring Clarity Act risks and regulatory missteps in Europe, https://cointelegraph-magazine.com/clarity-act-micas-defi-mistake-lawyer-warns/

Coordinated oversight marks a new phase for U.S. crypto policy

In a joint memorandum that frames its purpose around the need for clearer, more harmonized rules, the two agencies describe a strategic shift toward cooperation that could redefine how digital assets and related technologies are supervised in the United States. The document reinforces a commitment to provide regulatory clarity that covers the entire stack—from on-chain trading and data infrastructure to off-chain venues and the regulated products that span securities and derivatives. The stated aim is to reduce duplication, close jurisdictional gaps, and foster a regulatory environment where innovation can flourish under predictable guardrails. While the tone is cautious, the emphasis on data-sharing and mutual recognition signals a move away from legacy rigidity toward a more integrated, responsive approach to a market that has grown increasingly cross-border and technologically sophisticated.

The public rationale centers on practical governance: align enforcement expectations, avoid conflicting registrations, and harmonize how market participants across platforms operate under one ecosystem of rules. The collaboration is presented as a necessary modernization to keep pace with rapid advances in digital infrastructure, automated trading, and onchain settlement that now link traditional financial activities with decentralized technologies. It is a step toward a more coherent U.S. policy stance, one that acknowledges the gravity of cross-cutting innovations while maintaining robust protections for investors and market integrity.

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Crucially, the memo does not suggest deregulation. Instead, it emphasizes a calibrated approach—what the agencies describe as a “minimum effective dose” strategy—intended to achieve policy objectives with the least intrusive regime that still deters misuse and preserves market health. If implemented effectively, this framework could reduce the fragmentation that has historically hindered cross-venue activity and could accelerate product development, while ensuring that oversight remains fit for purpose in a fast-moving landscape.

Risk & affiliate notice: Crypto assets are volatile and capital is at risk. This article may contain affiliate links. Read full disclosure

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Bank of England May Consider Revising Stablecoin Regulations: Report

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Bank of England May Consider Revising Stablecoin Regulations: Report


The Deputy Governor of the Bank of England said that the institution remains open to reviewing the proposed rules for pound-denominated stablecoins.

The Deputy Governor of the Bank of England, Sarah Breeden, has reportedly said she has been disappointed by the lack of constructive engagement on the bank’s proposed rules to regulate stablecoins pegged to the British pound.

She said that the institution has been “genuinely open” to changing its proposals.

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Recall that the proposed regulatory regimen planned to ensure that sterling-denominated stablecoins remain safe and redeemable at face value. The rules also required issuers to be thoroughly supervised by the Bank of England if they were to be designated as systemic by the Treasury, and they must 100% back their coins with high-quality assets.

Some of the key rules include:

  • Systemic issuers must hold at least 40% of the reserves as deposits at the Bank of England
  • up to 60% in short-term UK government debt
  • Coins have to be redeemable at par
  • Issuers must maintain very resilient business models
  • Stablecoins used predominently for trading have to remain regulated by the country’s FCA.

 

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Ripple (XRP) Price Predictions for This Week

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xrp_price_chart_1103261

XRP appears to be consolidating before its next major move.

Ripple (XRP) Price Predictions: Analysis

Key support levels: $1

Key resistance levels: $1.4

XRP is Consolidating Around $1.4

Over the past few weeks, XPR has been moving flat around $1.4, currently acting as key resistance. This price consolidation around this level can be interpreted as bullish since sellers were unable to secure a lower low.

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This price action is encouraging buyers to return, and the current weekly candle is green. If it closes the week like this, then the resistance will likely break and turn into a key support.

xrp_price_chart_1103261
Source: TradingView

Downtrend Over?

With sellers unable to push the price lower, XRP has been moving sideways. This is a key signal that the market structure may be about to change. This makes a reversal possible in the future.

While buyers still appear shy here, they are slowly gaining momentum. This will likely be amplified as soon as the $1.4 resistance falls. Should they fail, then XRP has solid support at $1.2 and $1.

xrp_price_chart_1103262
Source: TradingView

MACD Bullish Cross

The 3-day MACD crossed bullish, which is a major signal that momentum is turning bullish. If this is sustained in the coming week, then higher price levels appear inevitable.

A clean break above $1.4 will also open the way for XRP to test the $1.6 and $1.8 resistance levels next. Bears will be in serious trouble at that point because it opens the way for this cryptocurrency to retest $2.

xrp_macd_chart
Source: TradingView
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